Question 1

What is CommunityAmerica Credit Union (CACU)?

Accepted Answer

CommunityAmerica Credit Union (CACU) is one of the largest credit unions in the United States, headquartered in Lenexa, Kansas. With over $5.4 billion in assets and serving more than 380,000 members, CommunityAmerica ranks among the top financial institutions in the Kansas City region. The credit union operates 36 branches across the Kansas City and St. Louis metropolitan areas, offering comprehensive financial services to members in both Missouri and Kansas.

As a federal credit union regulated by the National Credit Union Administration (NCUA), CommunityAmerica focuses on providing competitive rates, low fees, and personalized service while maintaining a strong commitment to community support and financial literacy.

Question 2

When was CommunityAmerica Credit Union (CACU) founded?

Accepted Answer

CommunityAmerica Credit Union was founded on March 19, 1940, as TWA Club Credit Union by George Duvall, a pilot for Trans World Airlines (TWA). The credit union began with modest working capital of just $1,069, initially serving TWA employees with small loans—typically $5 until payday with five cents charged for interest.

The credit union evolved significantly over the decades, changing its name to Members America Credit Union in 1992. In 1998, it merged with CommunityAmerica Credit Union, adopting that name. The institution has continued to grow through strategic expansion and mergers with other credit unions, including Farmland Credit Union (2003), Midwest United Credit Union (2007), Healthcare Community Credit Union (2015), Saint Luke's Credit Union (2016), Credit Union of Leavenworth County (2019), Burns & McDonnell Credit Union (2021), and most recently, UNIFY Financial Credit Union in November 2025.

Question 3

Where is CommunityAmerica Credit Union (CACU) headquartered?

Accepted Answer

CommunityAmerica Credit Union is headquartered in Lenexa, Kansas, a city in the Kansas City metropolitan area. The headquarters address is 9777 Ridge Drive, Lenexa, KS 66219.

Question 4

Where does CommunityAmerica Credit Union (CACU) operate?

Accepted Answer

CommunityAmerica operates primarily in the Kansas City and St. Louis metropolitan areas with 36 branch locations. The credit union serves members across multiple counties in two states.

In Missouri, membership is available to residents who live or work in Jackson, Clay, Platte, Cass, and St. Louis counties. In Kansas, the field of membership includes residents who live or work in Johnson, Wyandotte, Douglas, Jefferson, Leavenworth, Miami, and Shawnee counties.

Additionally, CommunityAmerica offers membership to employees of over 200 Select Employee Groups, including companies such as Ford Motor Company's Claycomo Plant, North Kansas City Hospital, Burns & McDonnell, and various school districts in the Kansas City area.

Question 5

What services does CommunityAmerica Credit Union (CACU) offer?

Accepted Answer

CommunityAmerica offers a comprehensive range of financial products and services for both personal and business banking needs.

Personal Banking Services include share accounts (savings), checking accounts, high-interest savings accounts, certificates of deposit (CDs), money market accounts, and Individual Retirement Accounts (IRAs). The credit union also provides auto loans, mortgages, home equity loans (including hybrid home equity products), personal loans, and credit cards.

Business Banking Services feature business checking and savings accounts, commercial loans, cash management services, ACH and wire transfers, remote deposit capture, and treasury management solutions. The credit union developed sophisticated commercial banking capabilities, including dual control features for high-risk transactions.

Digital Banking is a cornerstone of CommunityAmerica's service offerings, with highly rated mobile apps for both personal and business banking. Digital services include mobile check deposit, biometric login (fingerprint and eye scan), online bill pay, account transfers, and digital payment options through Apple Pay, Google Pay, Samsung Pay, and Venmo.

Wealth Management and Insurance services are provided through Copper Financial and CommunityAmerica Insurance Agency, LLC, offering investment guidance, financial planning, and various insurance products.

Question 6

What makes CommunityAmerica Credit Union (CACU) unique?

Accepted Answer

CommunityAmerica distinguishes itself through several unique features that prioritize member value and community engagement.

Profit Payout Program: As a not-for-profit financial cooperative, CommunityAmerica returns profits directly to members through its annual Profit Payout program. Over the past 13 years, the credit union has returned $100 million to members, demonstrating its commitment to shared financial success.

Community Partnerships: CommunityAmerica is the Official Banking Partner of the Kansas City Chiefs (since 2017) and sponsor of the Royals' Crown Club at Kauffman Stadium. These high-profile partnerships reflect the credit union's deep Kansas City roots and regional pride.

Technology Leadership: The credit union has invested heavily in advanced digital banking infrastructure, earning near-perfect ratings on both the App Store and Google Play. The mobile apps support sophisticated features including biometric authentication, video teller services, and comprehensive business banking capabilities.

Community Foundation: The CommunityAmerica Foundation supports local nonprofit organizations in four key areas: financial literacy and stability, education and reading literacy, health and wellness, and strengthening communities. The credit union offers full-time employees 16 hours of paid volunteer time annually to support 501(c)(3) organizations of their choice.

Question 7

What type of financial institution is CommunityAmerica Credit Union (CACU)?

Accepted Answer

CommunityAmerica Credit Union is a federal credit union, chartered and regulated by the National Credit Union Administration (NCUA). It also operates under the authority of the Missouri Division of Credit Unions due to its dual regulation structure.

As a member-owned financial cooperative, CommunityAmerica operates on the principle of "people helping people." Unlike traditional banks that serve shareholders, credit unions exist to serve their members, who are also the owners of the institution. This cooperative structure allows CommunityAmerica to offer competitive rates, lower fees, and return profits to members through programs like the annual Profit Payout.

Membership is open to individuals who live or work in designated counties across Kansas and Missouri, as well as employees of participating Select Employee Groups and their family members. Each member has an equal vote in credit union governance, regardless of their account balance, embodying the democratic principles of the credit union movement.

Question 8

What is CommunityAmerica Credit Union (CACU)'s approach to business banking?

Accepted Answer

CommunityAmerica has developed sophisticated commercial banking capabilities that rival traditional banks, making it a competitive choice for Kansas City area businesses.

In 2018, the credit union completed a comprehensive technology transformation to support business banking, implementing a dedicated commercial core system and advanced treasury management solutions. This infrastructure supports ACH and wire transfers, remote deposit capture, dual control features for transaction approvals, and enterprise document imaging.

The investment has paid significant dividends: within two years of implementation, CommunityAmerica increased member business lending by 300%, commercial deposits by 75%, and commercial deposit fee income by 60%. The credit union now serves sophisticated business clients with complex finance team requirements, offering services comparable to large commercial banks while maintaining the personalized service and competitive pricing advantages of a credit union.

CommunityAmerica Credit Union (CACU)

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About CommunityAmerica Credit Union (CACU) in the United States

Commun­ityAme­rica Credit Union (CACU)